BlastPoint's Credit Union Scorecard
CREDIT UNION ONE
Charter #62562 · MI
CREDIT UNION ONE has 4 strengths but faces 2 concerns
How does the industry compare?
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 15.8% in tier
- + ROA 0.46% above tier average
- + Net Interest Margin 0.95% above tier average
- + Share Certificate Concentration (%): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 80.5% in tier
- - Stagnation Risk: Bottom 80.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
108,063
-1.3% YoY-0.4% QoQ
|
+12.0K |
96,048
-2.7% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
68% |
| Assets |
$1.8B
+3.7% YoY+3.2% QoQ
|
+$96.6M |
$1.7B
+0.4% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
64% |
| Loans |
$1.3B
+11.4% YoY+1.4% QoQ
|
+$71.7M |
$1.2B
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
65% |
| Deposits |
$1.6B
+2.4% YoY+3.4% QoQ
|
+$144.2M |
$1.5B
+0.5% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
64% |
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| ROA |
1.2%
+27.8% YoY+8.4% QoQ
|
+0.5% |
0.7%
+27.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
4.3%
+7.3% YoY-0.1% QoQ
|
+0.9% |
3.4%
+6.2% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 5.6% in tier |
| Efficiency Ratio |
72.0%
-4.0% YoY-1.3% QoQ
|
-2.6% |
74.6%
-3.0% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
37% |
| Delinquency Rate |
0.4%
-4.1% YoY-18.4% QoQ
|
-0.4 |
0.8%
+6.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
79.8%
+8.9% YoY-1.9% QoQ
|
-3.3% |
83.2%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$26,791
+7.6% YoY+2.9% QoQ
|
$-3K |
$29,652
+2.3% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
40% |
| CD Concentration |
16.0%
-8.0% YoY-2.7% QoQ
|
-12.8% | 28.8% | 18.6% | 19.8% | Bottom 6.8% in tier |
| Indirect Auto % |
10.0%
-28.9% YoY-8.2% QoQ
|
-8.0% | 18.1% | 11.7% | 7.7% | 37% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)